Call reports 2004
CUSB BANK — 2004
What CUSB BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 207,499,000 | 202,806,000 | 211,517,000 | 212,386,000 |
| Total loans | 127,372,000 | 128,782,000 | 134,972,000 | 135,341,000 |
| Allowance for loan losses | 2,170,000 | 2,218,000 | 2,222,000 | 2,222,000 |
| Securities available for sale | 68,588,000 | 63,513,000 | 63,750,000 | 65,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,580,000 | 144,137,000 | 142,264,000 | 144,425,000 |
| Interest-bearing deposits | 136,367,000 | 132,640,000 | 131,314,000 | 132,182,000 |
| Noninterest-bearing deposits | 11,213,000 | 11,497,000 | 10,950,000 | 12,243,000 |
| Equity capital | 26,466,000 | 23,841,000 | 25,665,000 | 26,558,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,748,000 | 5,414,000 | 8,187,000 | 11,015,000 |
| Interest expense | 877,000 | 1,767,000 | 2,672,000 | 3,609,000 |
| Net interest income | 1,871,000 | 3,647,000 | 5,515,000 | 7,406,000 |
| Noninterest income | 240,000 | 553,000 | 827,000 | 1,142,000 |
| Noninterest expense | 1,290,000 | 2,591,000 | 3,796,000 | 5,091,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 761,000 | 1,489,000 | 2,366,000 | 3,236,000 |
| Income tax | 40,000 | 76,000 | 114,000 | 162,000 |
| Net income | 721,000 | 1,413,000 | 2,252,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,432,000 | 22,375,000 | 22,920,000 | 23,748,000 |
| Total capital | 24,156,000 | 24,103,000 | 24,738,000 | 25,570,000 |
| Risk-weighted assets | 137,449,000 | 137,777,000 | 145,000,000 | 145,389,000 |